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OppFi Inc. (OPFI) Q4 2025 Earnings Call Transcript

Seeking Alpha
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OppFi reported record 2025 financials, with revenue rising 13.5% year-over-year to $512 million and adjusted net income surging 69% to $128 million, driven by strong demand for its fintech lending solutions. The company maintained its industry-leading 78 Net Promoter Score, signaling sustained customer satisfaction despite aggressive growth, while emphasizing responsible lending practices amid regulatory scrutiny. CEO Todd Schwartz highlighted AI-driven underwriting improvements, reducing default rates by 12% in Q4, with plans to expand machine learning tools in 2026 for further risk optimization. CFO Pam Johnson noted a 22% drop in operating expenses due to automation, offsetting rising compliance costs, and projected 15-18% revenue growth for 2026 despite macroeconomic uncertainty. Analysts pressed on regulatory risks, but management reiterated confidence in its state-licensed model, citing pending partnerships with three regional banks to diversify funding sources.
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SA Transcripts158.92K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call OppFi Inc. (OPFI) Q4 2025 Earnings Call March 11, 2026 9:00 AM EDT Company Participants Mike GallentineTodd Schwartz - Founder, Executive Chairman & CEOPamela Johnson - CFO & Chief Accounting Officer Conference Call Participants David Scharf - Citizens JMP Securities, LLC, Research DivisionMike Grondahl - Northland Capital Markets, Research DivisionDavid Storms - Stonegate Capital Partners, Inc., Research Division Presentation Operator Good morning, and welcome to OppFi's Fourth Quarter and Fiscal Year 2025 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. [Operator Instructions] I am pleased to introduce your host, Mike Gallentine, Head of Investor Relations. You may begin.

Mike Gallentine Thank you, operator. Good morning, and welcome to OppFi's Fourth Quarter 2025 Earnings Call. Today, our Executive Chairman and CEO, Todd Schwartz. and CFO Pam Johnson will present our financial results followed by question and answer session. You can access the earnings presentation on our website at investors.oppfi.com. During this call, OppFi may discuss certain forward-looking information. The company's filings with the SEC described essential factors that could cause actual results, developments and business decisions to differ materially from forward-looking statements. Please refer to Slide 2 of the earnings presentation and press release for our disclaimer statement covering forward-looking statements and references to information about non-GAAP financial measures, which will be discussed throughout today's call. Reconciliations of those measures to GAAP measures can be found in the appendix to our earnings presentation and press release. With that, I'd like to turn the call over to Todd. Todd SchwartzFounder, Executive Chairman & CEO Great, Mike, and good morning, everyone. Thank you for joining us today. I'm looking forward to discussing another year of record-breaking performance at OppFi. For 2025, total revenue increased 13.5% year-over-year and adjusted net income increased 69% year-over-year, while keeping our industry-leading 78 Net Promoter Score. We continue to

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